Please wiritte 2 pages A4 for this question :" Consumer move away from casj putchases bots visa profit due".a) If you were monaging visa would you try to move the shift towards more casual use of credit cards,or tey to get people to carry balance?b) what are the threats to visa busines? ( I need long response round 2 pages please)

I need 2 pages respond with those questions: a) If you were managing Visa ,would you try to move the shift towards more casual use of credit cards,or try to get people to carry a balance b) What are the threats to Visa's business?